Cigna Study: CDHP customers lowered their costs an average of 13
percent while improving their health profile

CDHP customers are more engaged in making informed health care choices

In the face of another year of economic volatility and legislative and
regulatory change, Cigna's consumer-driven health plan (CDHP)
participation grew by 26 percent during 2012, resulting in one-in-five
Cigna customers now participating in a Health Savings Account (HSA) or
Health Reimbursement Account (HRA).

“The growth of consumer-driven health plans continues because they help
customers reduce their health risks and improve the quality and
efficiency of their care, which result in lowering their total medical
costs,” said Cigna President and Chief Executive, David M. Cordani. “The
evidence in our Seventh
Annual Cigna Choice Fund ExperienceStudyis
clear, consistent and compelling: our CDHP customers are more engaged
with their health and health spending, they spend less to receive the
same levels of recommended care, and are more satisfied with their
health care experience.”

Released today, the Seventh
Annual Cigna Choice Fund ExperienceStudy compares the
actual claims experience of more than 2.5 million Cigna customers who
are enrolled in either a CDHP, a traditional PPO or HMO health plan. The
annual study provides empirical evidence that properly designed CDHP
plans improve total medical cost without compromising care or shifting
costs from the employer to employees.

According to the study, when compared to customers in traditional PPO
and HMO plans, those in a CDHP:

Lowered their health risks: Cigna CDHP customers lowered their
risk of developing or worsening a chronic condition. According to the
study, when employers fully transitioned to offering only a CDHP
option, individuals improved their health risk profile by 12 percent
in the first year compared to customers in a traditional plan.

Reduced total medical costs: Cigna CDHP medical cost trend was
13 percent lower than traditional plans during the first year: costs
were 20 percent lower for HSA customers and 11 percent lower for HRA
participants. Cost reductions were achieved
without employers shifting out-of-pocket health expenses to their
employees. Notably 75 percent of HSA customers contribute more
to their accounts than they spend.

More engaged in health improvement: Cigna CDHP customers were
twice as likely to complete a health risk assessment and CDHP
customers with a chronic illness are up to 25 percent more likely to
participate in a disease management program than those enrolled in a
traditional plan.

Were more likely to compare cost and quality: Cigna CDHP
customers were 59% more likely to use the directory to access cost and
procedure information to help them review potential medical costs.

Were more savvy consumers of health care: Customers with Cigna
Choice Fund plans and Cigna pharmacy benefits were more likely to
choose generic medications compared to those in a traditional plan. In
addition, CDHP customers used the emergency room at a six percent
lower rate than individuals enrolled in HMO and PPO plans.

Received higher levels of care: Cigna CDHP customers had
consistent or higher compliance with over 300 evidenced-based medical
best practices than their counterparts in traditional plans. Cigna
CDHP customers also sought preventive care, such as annual office
visits and mammograms, more frequently than customers enrolled in a
traditional plan.

One company that is utilizing Cigna’s Choice Fund consumer-driven health
plans is JPMorgan Chase, a leading global financial management firm.
According to JPMorgan Chase Healthcare & Insurance Plans Manager, Kathy
Roehrig: “JPMorgan Chase opted for fully replacing our medical plan
options with consumer-driven health options in order to encourage our
employees and their families to focus more on the current status of
their health, to improve or maintain that status (for those that were
healthy) over the short and long term, and to become educated consumers
of health care services by using providers/drugs that are considered
quality and cost effective alternatives.”

“While we just completed our first year under the new plan, we’ve seen
many people taking steps to monitor and improve their health, including
receiving age- and gender-appropriate preventive care screenings at
rates above industry averages, increased visits to a primary care
physician, good usage of Wellness Screenings where 14% of those screened
learned about a health risk for the first time, and increased usage of
generic medications,” Roehrig said. “We feel providing appropriate
access to quality health care providers, information regarding the
quality and cost of those various providers, and appropriate health and
condition management coaching programs are important components to our
success. Incentives and communications are used to encourage our
employees to better understand their options and make decisions that are
right for them and their families.”

Cigna continues to improve its CDHP offering, including a new, free
myCigna Mobile App for customers to help manage their health plan
benefits to:

The new myCigna Mobile App is available to all Cigna U.S. health plan
customers with smart phone or tablet mobile devices for download from the
App StoreSM or Google
Play.

About Cigna

Cigna Corporation (NYSE: CI) is a global health service company
dedicated to helping people improve their health, well-being and sense
of security. All products and services are provided exclusively through
operating subsidiaries of Cigna Corporation, including Connecticut
General Life Insurance Company, Cigna Health and Life Insurance Company,
Life Insurance Company of North America, Cigna Life Insurance Company of
New York and their affiliates. Such products and services include an
integrated suite of health services, such as medical, dental, behavioral
health, pharmacy and vision care benefits, and other related products
including group disability, life, and accident coverage. Cigna has sales
capability in 30 countries and jurisdictions, with approximately 75
million customer relationships throughout the world. To learn more about
Cigna®, including links to follow us on Facebook or Twitter, visit www.cigna.com.

About JPMorgan Chase & Co.

JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services
firm with assets of $2.4 trillion and operations worldwide. The firm is
a leader in investment banking, financial services for consumers and
small businesses, commercial banking, financial transaction processing,
asset management and private equity. A component of the Dow Jones
Industrial Average, JPMorgan Chase & Co. serves millions of consumers in
the United States and many of the world's most prominent corporate,
institutional and government clients under its J.P. Morgan and Chase
brands. More information is available at www.jpmorganchase.com.

About Apps

App Store is a service mark of Apple Inc. Google Play is a trademark of
Google Inc.

The downloading and use of these Apps is subject to the terms and
conditions of the Apps and the online stores from which they are
downloaded. Standard mobile phone carrier and data usage charges apply.

Actual myCigna mobile app features available may vary depending on your
plan. The listing of a health care professional or facility in the
mobile directories available through the myCigna mobile app does not
guarantee that the services rendered by that professional or facility
are covered under your specific medical plan. Check your official plan
documents, or call the number listed on your ID card, for information
about the services covered under your plan benefits.

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